I've been asking myself similar questions about Splinterlands specifically; and I've decided that after I've owned an asset for 5 years, any income it brings in, I'll consider spending money. That way I retain the asset, and my spending money grows over time, as more assets age-out.
Income from assets less than 5 years old can go to buying more assets.
Here more than anywhere, it's important to have a strategy; instead of just going with what feels best each day.
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That seems like a fair strategy to me. With SL, I am not even at a year yet :)
I like the idea of rolling in for a period of time and then skimming off the top from there on out. I do find it hard to "spend" even when it is actually moving from one asset class to another.
I wish I was more systematic and disciplined.